Commercial Property Insurance
for Building, Contents & Improvements

Protecting Your Building, Inventory, and Business Assets

Commercial property insurance covers the building you own or lease, your business personal property (equipment, inventory, furnishings), and often includes loss of income if you can't operate after a covered loss. Common claims include wind and hail damage, roof leaks, burst pipes, theft, fire, and more. Gateway Insurance helps local businesses match coverage to the risks you face everyday.

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Building Owners & Business Tenants

Building Owners

Insure the physical structure (walls, roof, plumbing, HVAC, signs, and outdoor property), plus landlord liability.

Business Tenants

Cover business personal property (inventory, fixtures, computers), tenant improvements & betterments (built-ins or renovations you add), and lease-required insurance.

Gateway helps interpret lease/lender requirements and provides certificates of insurance (COIs) for peace of mind.

Customize Your Policy & Endorsements

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Wind & Hail Deductible

Coverage for biggest weather threats; deductibles can be flat or a % of building value.

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Equipment Breakdown

Covers loss from mechanical/electrical failure (HVAC, refrigeration, boilers).

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Business Income/Loss of Use

Replaces lost revenue if a covered claim (fire, storm) forces a shutdown.

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Outdoor Property & Signs

Coverage for fencing, signage, landscaping, and detached structures.

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Ordinance or Law Coverage

Coverage for upgrades to meet building code after a covered loss.

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Spoilage

Protection for food inventory or temperature-sensitive stock

Deductibles, Limits & Replacement Cost Explained

Deductibles

Choosing the wind/hail deductible of either a flat dollar or percentage of the insured building before a covered claim happens!

Replacement Cost vs Actual Cash Value

Gateway helps document values for replacement cost (if applicable) or for Actual Cash Value (depreciated amount). Replacement Cost Coverage is at 90 to 100% of the building’s replacement value (depending on the company).

Coinsurance

Policies may require insuring to a % of total value; we can help you meet the requirements and avoid penalties.

Common Property Claims

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Wind/hail roof and siding damage

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Frozen pipes and water damage during winter

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Fire or smoke from nearby businesses

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Theft or vandalism (especially in seasonal vacancies)

Gateway's local team understands weather related claims and building types, we can help tailor the coverage for your property and your business.

Commercial Property Insurance-Questions Answered

  • What does commercial property insurance cover?

    Buildings, business personal property, improvements, equipment, income loss, and more.

  • Does it cover wind and hail damage?

    Yes-wind and hail are major covered perils. Deductibles can vary; ask Gateway for details.

  • What's the difference between building coverage and business personal property?

    Building covers the structure; business personal property covers your equipment, inventory, and furnishings.

  • If I operate a home-based business out of my home do I need commercial insurance?

    Most likely yes, commercial insurance provides more coverage especially if you have the public coming onto your property, selling goods and services, and more.

  • How do the deductibles work?

    You pay the set deductible per claim (may be flat or percentage for certain perils).

  • Is there Commercial building insurance in Bismarck/Mandan?

    Gateway Insurance serves building owners, landlords, and tenants across Bismarck, Mandan, and surrounding areas.

Property Insurance
Built for your Business

Don't guess on your building or tenant coverage. Gateway Insurance can review your property, explains the options, and deliver the COIs, so you can focus on your business.